Month: December 2025

When you’re driving through Doylestown, PA or anywhere else, the last thing on your mind is probably getting into an accident with someone who doesn’t have proper insurance. Unfortunately, this scenario happens more often than you might think. That’s where uninsured and underinsured motorist coverage from Bucksmont Insurance becomes crucial for protecting yourself and your family.

What Is Uninsured Motorist Coverage?

Uninsured motorist coverage protects you when the at-fault driver in an accident has no insurance at all. Despite state requirements for auto insurance, many drivers still hit the road without any coverage whatsoever. This protection ensures that your medical bills, lost wages, and other damages get covered even when the other driver can’t pay. Without this coverage, you could be left handling thousands of dollars in expenses out of your own pocket.

Understanding Underinsured Coverage

Underinsured motorist coverage kicks in when the at-fault driver has some insurance, but not enough to cover all your damages. For example, if someone causes a serious accident but only carries the minimum required coverage, their policy limits might fall far short of covering your medical bills and vehicle repairs. This additional protection fills that gap, ensuring you receive adequate compensation for your losses.

Why These Coverages Matter

The statistics are sobering. Roughly one in eight drivers nationwide operates without insurance, and many others carry only minimal coverage. When an accident happens, your own insurance policy needs to step up if theirs won’t. These coverages provide peace of mind knowing that regardless of the other driver’s insurance situation, you have protection.

Don’t leave your financial security to chance. Contact Bucksmont Insurance, serving Doylestown, PA, today to discuss adding uninsured and underinsured motorist coverage to your auto policy.